# ALLIANCE BANK
LAKE CITY, MN · FDIC certificate 10973 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $755.9M | |
| Deposits | $657.9M | |
| Loans and leases | $615.6M | |
| Total equity | $76.7M | |
| Loans / deposits | 92.03% (p75 of band) | 82.04% |
| Liquid assets / assets | 17.06% (p22 of band) | |
| Uninsured deposits / deposits | 31.37% (p71 of band) | 25.97% |
| Brokered deposits | 1.59% | |
| Wholesale funding | 3.60% (p51 of band) | |
| FHLB advances / assets | 1.99% | |
| Tier 1 leverage | 10.07% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -5.48% (p60 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 1.00% (p32 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 64.41% (p59 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 24195.24% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 25.01% (p31 of band) | |
| Auto loans | $1.6M (0.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -8.6% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | brokered >10% |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 3 | losing money | deposits shrinking |
| 2012-12 | 2 | charge-offs p90 | assets shrinking, losing money |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking |  |
| 2014-06 | 2 |  | assets shrinking |
| 2014-09 | 2 | assets shrinking | reserve under noncurrent |
| 2014-12 | 3 | reserve under noncurrent |  |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking, reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | capital falling | charge-offs p90 |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-10 [St. Paul Downtown Development Corporation acquires vacant Alliance Bank Center building - MPR News](https://news.google.com/rss/articles/CBMingFBVV95cUxNZTR3cTIxaTVIQndJS21zWWluckU1YU9sZWc0R3NJcXNrd242SlFsRWt0WXZTanR0VVpkV3FlZzlPMTJMSWpZczBUOEpqckR3U01ueXhiTml2Y1ZzS3o5eTItZDd4UGVoQnhNTThjQUh2dGtNQkl5cXVfOTN3RFY1VjVXVkxVcHBjLVdfcllHSDlUei1GTHRsamtFc2pXdw?oc=5) · MPR News
- 2025-10-12 [Alliance Bank Center in downtown St. Paul gets new owner - FOX 9 Minneapolis-St. Paul](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTWdsdnBaN1RPOVVoSnN2YmNZdktCM01kMkllMlVrRk1YLS1xa2wwQm5JVTZKUjVGTi1jbzUwcGFWWW9URDRJY1RnY1FObDhBN2FGRkZxZ2YxWS1nVU9JdDFLeGt1QmM5c0tNSGVCN3U0TS1iMGpyTUp1Tk0tZHhzdGItSXpHYzl0Z2NfTTBiUnV0T1NzNGowRlV30gGfAUFVX3lxTE1vTWNQRXNLM0R6VnBzT0x4U2NLb21nc2hUM1g5Sk1pRU1OTGdPbVp2NFJVY3FLR09UYlNMVEM1VWIzb1dFWlZ4d3U5ZHUwSzNRX1Z1Rk93SWdVclpLZzJkME53elVOdTBnMndFaFNBS0FEc2hjSU00N1BwRzl1U1JyT0xjU0JSVnQ5V2ZqNk1kQWFQUmdrNUJMa1ZCS3VXaw?oc=5) · FOX 9 Minneapolis-St. Paul
- 2025-12-05 [Citizens Alliance Bank, Agency open in new space in Montevideo, Minnesota - West Central Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSmVCZ3NDTHVEcThGZDlKaXVrXzdfdTkxSEZwZHFYd1NzbjdoR2lNLTFJZl90ZWNyeF9vaEJVNW14VkdjYmtXbXJtUEtDVEgxX3lLeThjWm4wZDgwcEZYYzVZTTFFRTU4TTVJZmhUN2FPZTNIVE1FVGJFOEFkS2hVcHAxRFJseno1UUVjdXo2bWluLWY3SEczRHJpZmZEMEE3MTZwMjJB?oc=5) · West Central Tribune
- 2026-01-09 [Nonprofit gains control of another downtown St. Paul building, U.S. Bank Center - startribune.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQZjVkMDlpUWEweG5iWXBHeDh6dTNRWER1VFFZVE9wYXMxdDg4eXU3SU1yTzJpQjdGUGtKaVNMZ0hqZC01bHgzdEVRRXNjakt0Q2lHVEZkdHJPa0pZbWFBU2ZOYzBaNEo3UWNMS2hQTHNFVnZXR0xDQ2V0SmEwM19nWlpLUnJ0cUUzRmtya3JscEJoNGdGd2dXZWxSMHltazhmaXlWbTlKNlFVMDZIVldwdV9SWFBoQndHOC13?oc=5) · startribune.com
- 2025-10-15 [Nonprofit takes over downtown St. Paul's beleaguered Alliance Bank Center - Bring Me The News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOV1dETHNLdDg3VF9neno0cmZXSHE4VXFWTWJMMEFTSkJPd2tHQlZuZGdWMUhrc3VJSzd6b1lEZzBSTVZUZFM4YXJvSlVNR3lIYWRIWkNCWGJQTDVLcU1fNmR2eFBCNldKWUhBMFRnaXVadTBDV3ZLXzFuMExnMVlsMDZRLWp3WVJOYzFmakZfTmRES0tyVDlhSDFIUjdGMFM3MUFESmVNUUpwaW5uZ2l1QUlDcTFoRnA0aXc?oc=5) · Bring Me The News
- 2025-10-10 [Nonprofit buys Alliance Bank Center, aims to revitalize downtown St. Paul core - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTjZXRXZwMUdNbks1TEVaVU4wcnB6Y0thZkc3S3owOTVTQnBmTFRxS0l5a0NHbTRxMEU5NTV3T1dyeHVWYXRCSVpFcnBfb3NCRHdvT3lGV3poUU85d2dmaGQtem51N245MXpVbl9RbVR2OWlHYnZMdTBJdGc0VkdUcklqQVdLVUlXcEZYYzJ4ZTc3ZE9QVmgw?oc=5) · The Business Journals
- 2025-10-13 [The Alliance Bank Center Building Is Under New Ownership - Twin Cities Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxNeVZMOENfa0NkNEQ0YkJRSVMtUTU5WWtNdUd3eDh4ZUxtVWxLZzl6Vm1TTVg0V0NTNVEwcmRGamExRWk3NzlSUm5PV09LRWthTnVRZmNjaVVJSHAzV0JQbjVDVzM1SjliQndwbVhGWXFmaC03Rm8zc2QzNDZYSnNLdF9R?oc=5) · Twin Cities Business
- 2025-03-31 [Businesses forced to vacate Alliance Bank Building by Monday - 5 EYEWITNESS NEWS](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcW9uaUxNckhWNHVnNy1VRGtSZnhFaFdVQkIzdEtQb3BSenJUT3A1dm1uQkdxNlN1dk1fZjBYcVFpd25wamxtOUNfekdSQ01fR2dZc21oTjZNdlRqVzJvTDhwbWFuaTIyX3RrTmNoLXY2bF9UazktUXNLZ1Q2MWo4VVkzSHNYbW4tOHViZDltZ2VKVkJEbWgwMEVaZXRLWGRPcGV5ag?oc=5) · 5 EYEWITNESS NEWS

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10973 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "10973", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide